We are still close enough to the start of the year that many of us are still hoping to have some positive results on New Year Resolutions.
Whether or not you made it your resolution to get your finances in better shape, here are some great ideas to help us cut back on expenses and save more money.
Take advantage of rebates, discounts and/or wellness incentive programs provided through your employer.

The Kentucky Extension Homemakers Association (KEHA) is a volunteer organization that works to improve the quality of life for families and communities through leadership development, volunteer service and education.
The organization was developed in cooperation with the University of Kentucky Cooperative Extension Service.
Across Kentucky, KEHA members and clubs work closely with Cooperative Extension to provide educational programming and coordinate community activities.

If you find yourself feeling down, depressed, moody or irritable during a particular time of the year, you may suffer from seasonal affective disorder (SAD).
According to the Mayo Clinic, SAD is a type of depression linked to seasonal changes, and it begins and ends around the same time every year.
For the majority of people, symptoms start in the fall or winter but quit with the coming of spring or early summer.

While Kentucky’s honey bees are clustering through the winter, beekeepers will have opportunities to sharpen their skills in schools throughout the state.
“Kentucky has a rich heritage in beekeeping, and today it’s becoming increasingly popular as a hobby as well as a business,” Agriculture Commissioner Ryan Quarles said. “These schools offer valuable information from experts in the field that will help beginners and veteran beekeepers alike.”
The full schedule is as follows: